Hivi laki 2 na nusu itanitoa kimaisha nikisave kwa mwezi?

[Next Level]

Mkuu next level hauko serious juu ya kuweka akiba; unaonekana wewe ni mtu ambaye unatumia kadili unavyopata, which to me is not good kama kweli una malengo ya kufanya kitu fulani baadae!

Nina rafiki yangu mmoja anaishi DSM, wakati akipokea mshahara wa laki sita take home alikuwa anasema mshahara anaolipwa unamtosha tu kuishi basi. Alipoongzewa mshahara mpaka kufikia take home ya milioni moja na laki mbili akabadili life style kwa kuhama Tandika alikokuwa anaishi na kuhamia Sinza, pia akanunua na gari GX100. Mwaka huu mwanzoni kapata kazi nyingine kampuni moja ya nje analipwa take home ya 3.5 milioni. Tayari hivi majuzi kahama Sinza na kuhamia Mikocheni, kachukua mkopo wa gari nyingine aina ya Toyota Harrier huku akimwachia mke wake atumie ile GX100.

Next level nimetoa mfano huo mrefu kidogo kutaka kukueleza namna ambavyo waafrika walio wengi wanavyoshindwa ku manage pesa zao vipato vinapoongezeka. Wengi wakipata kipato zaidi wanabadilisha bar wanazokunywa pombe, mademu wa matawi ya juu, na magari. Hii yote ni ulimbukeni kama ongezeko la kipato hali justify kihivyo ongezeko la matumizi ya anasa!!

Mi nashauri jamaa aende kwa banker wake kwa ajiri ya kusolicit mkopo ili ajengee nyumba kwa sababu kuweka tu akiba kidogo kidogo kuna hatari ya kuja kuitumia kwenye dharula kama vile misiba, kuuguza mgonjwa n.k.

....Brother kutumia kadiri upatavyo ni hulka ya binadamu yeyote yule.....na ofcourse ipo hiyo hata kwenye msingi ya uchumi! Mambo ya propensity to save /consume etc....na matheory kibao ya DD/SS!

Ngoja niache hii mambo ya economics.....! kuna mambo binafsi ninayofanya sikuyasema hapo juu.......! Pointi yangu ilikuwa kusave cash kila mwezi kutoka kwenye mshahara ni ngumu mno mno......ndo maana hata kwenye business, ukishauza bidhaa...hela unachukulia mzigo mwingine etc etc! Sasa kwa ss tunaokinga madirishani kila mwezi, kama nilivosema ni ngumu kuweka hela eti kila mwezi, ila unachoweza kufanya...kama unamshahara mdogo, ni kuchukua mkopo bank then unanyia kitu cha muhimu mara moja........! kama unapata mshahara mkubwa unapaswa uwe na ongoing projects....such that inavoingia pesa, tayari inakuwa allocated kwenye projects bila kuchelewa!

Hao wanabadilisha life styles kwa kuwa na kipato kikubwa, hawana projects zozote, they don't plan for the future....what if huo mshahara wako unapata kesho ukakatika kwa kufutwa kazi, ulemavu etc? so the only way to save money ni kuinvest in any way......!

 

[The Finest]

Very educative

 

[Kweli]

....Brother kutumia kadiri upatavyo ni hulka ya binadamu yeyote yule.....na ofcourse ipo hiyo hata kwenye msingi ya uchumi! Mambo ya propensity to save /consume etc....na matheory kibao ya DD/SS!

Ngoja niache hii mambo ya economics.....! kuna mambo binafsi ninayofanya sikuyasema hapo juu.......! Pointi yangu ilikuwa kusave cash kila mwezi kutoka kwenye mshahara ni ngumu mno mno......ndo maana hata kwenye business, ukishauza bidhaa...hela unachukulia mzigo mwingine etc etc! Sasa kwa ss tunaokinga madirishani kila mwezi, kama nilivosema ni ngumu kuweka hela eti kila mwezi, ila unachoweza kufanya...kama unamshahara mdogo, ni kuchukua mkopo bank then unanyia kitu cha muhimu mara moja........! kama unapata mshahara mkubwa unapaswa uwe na ongoing projects....such that inavoingia pesa, tayari inakuwa allocated kwenye projects bila kuchelewa!

Hao wanabadilisha life styles kwa kuwa na kipato kikubwa, hawana projects zozote, they don't plan for the future....what if huo mshahara wako unapata kesho ukakatika kwa kufutwa kazi, ulemavu etc? so the only way to save money ni kuinvest in any way......!

Mkuu wacha tuchukue baadhi ya pointi zako, kudunduliza cash toka kwenye mshahara inawezekana kabisa na hizo 250,000 kujisevia ni sihaba na unaweza kufanya mambo yakaeleweka, tatizo wewe ume-set negative mind-frame, inatakiwa uegemee kwenye positive kabla ya yote, narudia kusema laki mbili na nusu kwa mwezi inaweza kukufikisha mbali sana kimalengo, endapo tu utakuwa na elimu juu ya "siri" ya fedha, tatizo hili somo la fedha halifunzwi darasani, unaweza kulipata tu toka kwa watu ambao tayari wamepitia kwenye hio njia ya fedha na wakafanikiwa .
Suala la mkopo wa benki ndio biggest mistake katika mambo ya kujisevia, kama unachukua mkopo the whole point of saving become meaningless, mkopo wa benki unamfaa mtu ambaye tayari ana biashara ambayo itazalisha faida "guarantee" kila mwezi baada ya kukidhi malipo na riba, venginevo ni kujitia pingu.
Tuchukulie mfano unachukua mkopo wa shilingi milioni 20, APR 9.9% malipo katika miaka 4, utalipa shs.500,000 kwa mwezi, jumla baada ya miaka minne utalipa shs. millioni 24, hii ni sawa na kuwagaia benki millioni 1 kwa mwaka? Sasa jiulize kwanini umeshindwa kujitengea hiko kima kila mwezi lakini umeweza kuwatengea benki kila mwezi tena na riba juu umewapa?
Sikubaliani na conclusion yako kwamba investing ndio njia pekee katika kujisevia, Investing wisely is the key to growth ila zipo njia nyengine tofauti.
Neno la busara: "Always look after the pennies and the pound will look after themselves"
Ukijua jinsi ya kuichunga senti shillingi itajichunga yenyewe

 

[kipipili]

michango mizurisana wakuu , nimeambulia kitu hapa, shukran brooklyn, next level, ukweli na wengineo

 

[Job K]

kama haujaoa ukioa inaweza kupunguza savings na hata kusababisha deficit kubwa!we kopa ufanye kitakachowezekana kwa wakati huu.Vinginevyo uchambuzi yakinifu unahitajika kumpata huyo wa kukushauri positively na aje akiwa anaelewa maana ya kufanya savings

Siyo kweli! Atakapokuwa na mwenza ndiyo itakuwa vizuri sana katika kupanuana mawazo ya nini kifanyike na nini kisifanyike! hivyo, kama hajaoa ajifunge kiume apate mwenza wa ndoa siyo tu wale wa kupatana kwenye klabu ya pombe ndo anakuwa mke hapo atakwama! Hapo hata kama ana andiko la biashara wanaweza kusaidiana mawazo na huyo mke wakajua nini kifanyike. Pia hapo atakuwa amepunguza mengi sana mfano kula vigengeni au hotelini, kupiga ulabu mfulululizo n.k

 

[Semilong]

Salam wanajamii wenzangu. Naamini humu hakuna wachoyo wa msaada wa mawazo. Ni kwa matarajio haya naomba kuuliza mimi nafanya kazi sekta binafsi kama mwajiriwa mwisho wa mwezi naweza ku save laki mbili na nusu
Ninauliza hivi kwa kiasi hiki ninawezaje kukitumia ili angalau miaka michache ijayo niweze kuwa na kabanda kangu na kisha angalau kamkoko kamoja kupunguza adha ya usafiri hapa mjini
Nawashukuru sana

ukisave 2.5 kwa mwezi kwa mwaka ni 3m
1. ninachokushauri fungua account azania bank, wao wanatoa mikopo ya nyumba mortgage ya 10 yrs.
2. ukishafungua account save kwa miaka miwili which is 6m then nunua kiwanja or use the money as a deposit kwa ajili ya mortgage
3. ukishakuwa na mortgage yako hii inamaanisha badala ya kumlipa landlord rent wewe unajilipia nyumba yako.
4. ukishalipa mortgage baada ya miaka miwili unaangalia tena nini cha kufanya na savings zako.
5. kila baada ya muda unaangalia na kujiuliza nini cha kufanya

 

[Simonsica]

Kwanza kabla ya yote ku save ni jambo muhimu sana, hata kama ni sh. 50,000. Ni tofauti na kuto save kabisa. Na kuhusu kusave laki 2 unusu inategemea malengo ama mipango yako, na mda maalum wa mipango yako. Me naona ya weza kukutoa, kuliko kutokua na akiba kabisa benki. Kwa sababu unaweza usifikie malengo yako lakini pesa yako ya weza kukusaidia katika vitu vingine vya ghafla. Kama msiba, ugonjwa n.k. "Akiba haiozi"Blög Sicä | Welcome to Blog Sica!!!

 

[Husninyo]

Hii thread mmeichangia kiakili sana. Thanx to all. Nimegain something.

 

[MNDEE]

ukisave 2.5 kwa mwezi kwa mwaka ni 3m
1. ninachokushauri fungua account azania bank, wao wanatoa mikopo ya nyumba mortgage ya 10 yrs.
2. ukishafungua account save kwa miaka miwili which is 6m then nunua kiwanja or use the money as a deposit kwa ajili ya mortgage
3. ukishakuwa na mortgage yako hii inamaanisha badala ya kumlipa landlord rent wewe unajilipia nyumba yako.
4. ukishalipa mortgage baada ya miaka miwili unaangalia tena nini cha kufanya na savings zako.
5. kila baada ya muda unaangalia na kujiuliza nini cha kufanya

Mkuu kama unazo details zaidi za hiyo mikopo ya nyumba ya Azania itasaidia sana ukibandika hapa.

 

[Ndachuwa]

kama haujaoa ukioa inaweza kupunguza savings na hata kusababisha deficit kubwa!we kopa ufanye kitakachowezekana kwa wakati huu.Vinginevyo uchambuzi yakinifu unahitajika kumpata huyo wa kukushauri positively na aje akiwa anaelewa maana ya kufanya savings

Akimpata Mrombo ndani ya miaka mitatu watamiliki nyumba na kuwa na biashara nje ya ajira yake.

 

[Makanda]

Hiyo laki mbili n a nusu jiunge nayo Potion21 nakuhakikishia mwakani au baada ya miezi mitatu kwa bidii yako hutakuwa kama ulivyo nipingie kwa maelezo zaidi 0719672328 naitwa Lyamunda




What is Potion 21?

Potion 21 is a Malaysian Nutrihuang's product marketed online worldwide. Potion 21 for treating 21 types of skin-based problems like diabetic wound ulcer. Watch the video below to see just how magical Potion 21 really is.




Generally speaking there are about 21 types of skin-based problems. They are acne, bedsores, blocked nose, burns, cold sores, diabetic sores, genital rashes, infected wound, mouth ulcer, sinusitis, skin rashes and sore throat to mention but a few. And Potion 21 call effectively treat all of them. We guarantee this fact.
Click here for detailed descriptions of the above skin based problems.


To treat all the above skin-based problems effectively a good tincture must have the following holistic properties:

1. Analgesic: it relieves the pain
2. Anti-inflammatory: reduce swelling of the wound
3. Anti-histaminic: control the release of histamines within the skin
4. Anti-exudates: prevent the production of skin fluid to allow the wound to dry faster
5. Antipruritic properties: controls / stop itch
6. Antibiotic: cleanse the skin of harmful bacteria and virus
7. Anti-toxin: it neutralizes poison produced by the decaying tissue , bacteria or virus
8. A skin surface cleanser
9. Promotes micro blood circulation to bring efficient cell and tissue regeneration to quickly dry up the wound

And this product, Potion 21, has all those properties plus MORE!

Potion 21


Click here to find out what Potion 21 can cure and how to use it.
Please find out from here the incredible testimonies of users who benefited from this products that doctors say is a product that science cannot explain how it works.
This product is very useful to have in the family. Every home must have one. You do not have to buy one product for one problem anymore.Every family must have one. Every mother must carry one. Some call it "Liquid from Heaven"
How to get Potion 21

To get Potion 21, all you have to do is register with us, make a payment of US$150 only and we will send one to you. Click here or on the button below to register to the website. And once you have registered with us, find out how you can earn money through our commissions scheme.

​

How to earn commissions

Poverty is the worst disease in the world. Having just enough is the second.

Earn a very good stream of second income through email blitz. Tell your friends you have a product that every household needs. Every family must have one. Every mother must carry one. Do not take "no" for an answer. Be determined. Be aggressive. Create an email avalanche and all your friends do the same. Create an Internet wildfire and see your income flowing in.

1) No night meeting
2) No direct selling
3) No huge capital investment
4) No monthly quota
5) No unethical game plan like front loading or binary system
6) No office politics
7) No need to leave your home to achieve your dream
CREATE AN ONGOING STREAM OF SECOND INCOME AND ACHIEVE FINANCIAL FREEDOM THE SMART WAY. WORK HARD. WORK SMART.

The beauty of this program is:

1. You are introducing a product that every family must have one and every mother must carry one
2. Everyone is a cash cow because
3. Everyone has contacts, don't waste your contacts
4. Everyone needs to make more money in this difficult times
5. Everyone has this small amount of money to invest
6. Everyone has a few friends who trust their testimonies
7. The best of all is that there is no risk involved
8. Everything to gain and nothing to lose

How to earn $15,000 to $20,000 per month? All you need is to think of 5 friends or their families who need this product. Not that difficult, isn’t? The best part is it cost only $150 and the next best thing is you can get back your investment within the same day!!! Lets see how.

By introducing just 5 people into the network, you receive 7% commission ($10.5 dollars) from each one – and already you will have earned 52.5 dollars. As your friends introduces their 25 downlines, by this stage, you will earn 262.5 dollars. Your network will have started its exponential growth and this can happen in 24 hours!
This is how your network will look like
Position
Number of People
Sales commissions
1 $10.5 x 5= $52.5
2 $10.5 x 25=$262.5
3 $10.5 x 125=$1,312.5
4 $10.5 x 625=$6,562.5
5 $10.5 x 3,125=$32,812.5
6 $10.5 x 15,625=$164,062.5
7 $10.5 x 78,125=$820,312.5

8 $10.5 x 390,625=$4,101,562.5
Cumulative Total $5,126,940.0
This table shows that one can have up to over 400,000 people each paying you US$ 10.5 totaling an amazing US$ 5.12 MILLION DOLLARS! Ready to register? Call +255719672328 your refferor Lyamunda

 

[Semilong]

Mkuu kama unazo details zaidi za hiyo mikopo ya nyumba ya Azania itasaidia sana ukibandika hapa.

click --Azania Bank Ltd--

 

[Makanda]

Tembelea www.potion21.com hiyo lambili na nusu itakutoa jamaa tupo hapa dar imetutoa au nipingie simu 0719 67 23 28

 

[Zipuwawa]

Kama ni hizo laki 2 zina baki kwa mwezi cha muhimu ni kuchukua mkopo katika mabenki ili ufanye unachotaka kuliko kuweka kidogo dogo unajua tena maisha yetu unaweza kujikuta ukitumia na kupoteza malengo kwani shida haijulikani itakuja lini?

 

[Bongemzito]

Kusave inahitaji uvumilivu sana,ni bora uende kukopa bank ili hiyo ambayo unasave ndo uweze kuilipa bank,ukikopa ndo unaweza kufanya kitu cha maana kwa mara moja.....

 

[LazyDog]

Mkuu wacha tuchukue baadhi ya pointi zako, kudunduliza cash toka kwenye mshahara inawezekana kabisa na hizo 250,000 kujisevia ni sihaba na unaweza kufanya mambo yakaeleweka, tatizo wewe ume-set negative mind-frame, inatakiwa uegemee kwenye positive kabla ya yote, narudia kusema laki mbili na nusu kwa mwezi inaweza kukufikisha mbali sana kimalengo, endapo tu utakuwa na elimu juu ya "siri" ya fedha, tatizo hili somo la fedha halifunzwi darasani, unaweza kulipata tu toka kwa watu ambao tayari wamepitia kwenye hio njia ya fedha na wakafanikiwa .
Suala la mkopo wa benki ndio biggest mistake katika mambo ya kujisevia, kama unachukua mkopo the whole point of saving become meaningless, mkopo wa benki unamfaa mtu ambaye tayari ana biashara ambayo itazalisha faida "guarantee" kila mwezi baada ya kukidhi malipo na riba, venginevo ni kujitia pingu.
Tuchukulie mfano unachukua mkopo wa shilingi milioni 20, APR 9.9% malipo katika miaka 4, utalipa shs.500,000 kwa mwezi, jumla baada ya miaka minne utalipa shs. millioni 24, hii ni sawa na kuwagaia benki millioni 1 kwa mwaka? Sasa jiulize kwanini umeshindwa kujitengea hiko kima kila mwezi lakini umeweza kuwatengea benki kila mwezi tena na riba juu umewapa?
Sikubaliani na conclusion yako kwamba investing ndio njia pekee katika kujisevia, Investing wisely is the key to growth ila zipo njia nyengine tofauti.
Neno la busara: "Always look after the pennies and the pound will look after themselves"
Ukijua jinsi ya kuichunga senti shillingi itajichunga yenyewe

Umeeleza jambo la msingi sana. Ila sasa, tukiangalia upande wa pili wa shilingi mambo yanaweza yakaanza kwenda hovyo kutokana na kuporomoka kwa thamni ya shilingi yetu.
Kukaa miaka 5 au zaidi ukidunduliza sioni kama ni jibu.

Ningependa kuona haya maoni ya mdau hapo juu yakiboreshwa.
Guys, What is the way to go here?

 

[NSUMUKA]

Ushauri wa kuchukua mkopo toka benki yoyote upo sawa.ila kabla ya kufanya hivyo tengeneza mchanganuo wa kibiashara yaani business plan,ukiweka uwiano wa mapato yako ya sasa(mtiririko wa fedha-cash inlows),na matumizi yaani,gharama za ujenzi wa nyumba hiyo,riba ya mkopo (interest expenses) na marejesho ya mkopo mkuu wa kila mwezi,yaani mtiririko wa matumizi -cash outflow).mwisho pima mapato mbadala ya nyumba hiyo,yaani ya kuishi wewe au kibiashara na ni shilingi ngapi utapata kama utapangisha nyumba hiyo kwa bei ya soko (market rent versus economic rent).kumbuka mkopo kama mkopo haulipiwi kodi ya mapato.tunakutakia kila la heri ktk mchakato huo.

 

[2c2]

kweli jamii forum is home of great thinkers,,,,, if you manage to follow some of the ideas in twelve years you might be talking about saving 2.5 millions per month:A S crown-1:

 

[shanature]

Hongera kwa kuweza kusave,,,,,,,,,,,yaani mimi siwezi kabisa ata sijui napata sh ngapi kwa mwezi nikiangalia exl ya mapato na matumizi yangu nafunga program maana inafika mara nyingine 2000000,,na mfukoni sina hela,,,,,,,,,,,,,kilichoni saidia nilichukua hela mahali kwa mtu,,,kama 2000000,,, nikanunua photocopy mashine nikaweza kuilipa ile hela nikaamini mikopo inasaidia kwani kuweka hela inahitaji roho ngumu kama mchaga kushinda na njaa alafu mfukoni una hela

 

[Mythbuster]

Mkuu wacha tuchukue baadhi ya pointi zako, kudunduliza cash toka kwenye mshahara inawezekana kabisa na hizo 250,000 kujisevia ni sihaba na unaweza kufanya mambo yakaeleweka, tatizo wewe ume-set negative mind-frame, inatakiwa uegemee kwenye positive kabla ya yote, narudia kusema laki mbili na nusu kwa mwezi inaweza kukufikisha mbali sana kimalengo, endapo tu utakuwa na elimu juu ya "siri" ya fedha, tatizo hili somo la fedha halifunzwi darasani, unaweza kulipata tu toka kwa watu ambao tayari wamepitia kwenye hio njia ya fedha na wakafanikiwa .
Suala la mkopo wa benki ndio biggest mistake katika mambo ya kujisevia, kama unachukua mkopo the whole point of saving become meaningless, mkopo wa benki unamfaa mtu ambaye tayari ana biashara ambayo itazalisha faida "guarantee" kila mwezi baada ya kukidhi malipo na riba, venginevo ni kujitia pingu.
Tuchukulie mfano unachukua mkopo wa shilingi milioni 20, APR 9.9% malipo katika miaka 4, utalipa shs.500,000 kwa mwezi, jumla baada ya miaka minne utalipa shs. millioni 24, hii ni sawa na kuwagaia benki millioni 1 kwa mwaka? Sasa jiulize kwanini umeshindwa kujitengea hiko kima kila mwezi lakini umeweza kuwatengea benki kila mwezi tena na riba juu umewapa?
Sikubaliani na conclusion yako kwamba investing ndio njia pekee katika kujisevia, Investing wisely is the key to growth ila zipo njia nyengine tofauti.
Neno la busara: "Always look after the pennies and the pound will look after themselves"
Ukijua jinsi ya kuichunga senti shillingi itajichunga yenyewe

Mkuu naona umesahahu kuwa kama ataendelea kuweka hii pesa Benki polepole pia thamani ya hiyo pesa inashuka kila mwaka na kumpunguzia uwezo kufanya mambo. Mkopo sio mbaya kama unavyodhani ila ni jinsi ya kuu-manage tuu ndio panapotoa tafsiri kama mkopo ni mbaya au mzuri. Naona watu wengi wanamshauri achukue mkopo na kufanya investment ya mara moja badala ya kusubiri akiba ikae miaka minne kama unavyomaanisha ndio aanze project. Kama akitegemea kuweka akiba tuu along the way kuna matatizo , sherehe , nk ambavyo vinaweza mtibulia mambo akatumia akiba yake kiasi. Naona njia ya kumsaidia ni kuwa na plan nzuri na kuchukua mkopo, kufanya investment ya kumuingizia fedha. Akifanya investment nzuri badala kuwa anatoa ile 250K kulipia mkopo mapato ya ile investment yanaweza kuwa yanatoa hiyo pesa ya kulipa mkopo na riba yake na yeye akaendelea kusave hiyo 250K inayotokana na mshahara wake.